The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,542
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$1,124/mo
Today · 4.125%
HK$37,771
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,542/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,540
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,600
−HK$1,076/mo
Today · 4.125%
HK$41,676
baseline
▲ 0.50% · 4.625%
HK$43,873
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,352/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,650
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,977
−HK$1,348/mo
Today · 4.125%
HK$45,325
baseline
▲ 0.50% · 4.625%
HK$48,083
+HK$2,758/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$90,650/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,448
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,720
−HK$1,291/mo
Today · 4.125%
HK$50,011
baseline
▲ 0.50% · 4.625%
HK$52,647
+HK$2,636/mo
Deposit HK$6.23M · loan HK$9.35M · min. income ≈ HK$100,022/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,758
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,306
−HK$1,573/mo
Today · 4.125%
HK$52,879
baseline
▲ 0.50% · 4.625%
HK$56,096
+HK$3,217/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,758/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,356
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,840
−HK$1,506/mo
Today · 4.125%
HK$58,346
baseline
▲ 0.50% · 4.625%
HK$61,422
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,692/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,975
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,965
−HK$2,022/mo
Today · 4.125%
HK$67,987
baseline
▲ 0.50% · 4.625%
HK$72,124
+HK$4,137/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,974/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,172
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,081
−HK$1,936/mo
Today · 4.125%
HK$75,017
baseline
▲ 0.50% · 4.625%
HK$78,971
+HK$3,954/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,034/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,503 · Scale 2, in force from 26 Feb 2026)